Hey @Brandon Toron,Given your plan to turn the property into a short-term rental (STR), you have a few creative ways to push closer to that 90% cash-out goal, even if traditional lenders shy away from it:1. 

When I have last minute cancellations, I still pay them.

Now, you need to figure out how to find deals and pay for them.

As we move into 2025, these trends are shaping how we approach renovations:Open Floor Plans with Purpose: Open concepts remain a top priority, but it’s no longer just about tearing down walls.

It would cash flow nicely.One item to plan for from the beginning is the exit. 

There are some options at lower deductibles but trust me you will pay for it!

If you plan to live there in the winters, you might have a hard time doing long term rental outside of that and finding a new tenant every summer.

We can be flexible when we pay them back.

It depends on what your plans for the property are. 

Provide clear instructions on where and how to pay to avoid confusion.Recover Security Deposits: The current property manager is legally obligated to transfer tenant security deposits to you or the new management company.